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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Medicare and Health Savings Account

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: If an employee is age 65 and not receiving Medicare Part B benefit because his employer has more than 20 employees then can that person enroll in an HSA plan.through the employer?

A: An HSA is not available to a person enrolled in Medicare (regardless of the size of the employer), including Medicare Part A, which is automatic for most people at age 65. So usually a person over age not enrolled in Medicare Part B is still not eligible for a Health Savings Account. Even if Medicare is not the primay payor for a working person over age 65, most people are enrolled in Part A and therefore not eligible for an HSA. To fully understand this issue, see the updated language on the Frequently Asked Questions at and the HSA eligibility information at .


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